Sugar Land, TX · Charter 14091
NCUA · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
62
Profitability
44
Liquidity
64
Efficiency
59
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sugar Land, TX · Charter 14091
NCUA · 12 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.39% | 0.19% | 0.33% | 0.32% | 0.33% | 0.43% | 0.43% | +10 bps | |
| Return on Equity | 4.22% | 4.02% | 2.04% | 3.43% | 3.34% | 3.37% | 4.45% | 4.36% | +93 bps | |
| Net Interest Margin | 2.85% | 3.07% | 2.96% | 3.06% | 3.06% | 3.09% | 3.18% | 3.20% | +14 bps | |
| Efficiency Ratio | 81.21% | 81.59% | 91.69% | 87.20% | 86.64% | 86.50% | 80.38% | 80.77% | -643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.87% | 3.77% | -5.31% | -7.03% | -5.71% | 1.20% | 0.69% | 1.15% | +818 bps | |
| Loan Growth (YoY) | -0.05% | -2.32% | -5.37% | -7.13% | -7.94% | -7.62% | -4.99% | -2.99% | +414 bps | |
| Share Growth (YoY) | 3.46% | 3.46% | 1.99% | 0.29% | 0.47% | 0.37% | -0.19% | 0.60% | +31 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.34% | 0.45% | 0.41% | 0.44% | 0.48% | 0.35% | 0.49% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.85% | 9.60% | 9.42% | 9.68% | 9.63% | 9.74% | 9.67% | 9.88% | +20 bps | |
| Net Worth / Assets | 8.85% | 9.60% | 9.42% | 9.68% | 9.63% | 9.74% | 9.67% | 9.88% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.55% | 67.73% | 64.15% | 64.97% | 63.73% | 62.34% | 61.06% | 62.65% | -232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sugar Land, TX · Charter 14091 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 12 branches
Q2 2026
Return on Assets
0.43%
Rank 33 of 63
Net Interest Margin
3.20%
Rank 47 of 63
Efficiency Ratio
80.77%
Rank 27 of 63
Equity / Assets
9.88%
Rank 50 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.11% | 0.53% | 1.19% | Beats 48% | 33 / 63 | ||
| Return on Equity | 4.36% | 1.09% | 3.60% | 6.92% | Beats 58% | 26 / 62 | ||
| Net Interest Margin | 3.20% | 3.19% | 4.06% | 4.80% | Beats 25% | 47 / 63 | ||
| Efficiency Ratio | 80.77% | 72.55% | 82.57% | 90.97% | Beats 59% | 27 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.32% | 0.64% | 1.62% | Beats 62% | 25 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.88% | 10.13% | 12.81% | 19.70% | Beats 21% | 50 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.88% | 10.13% | 12.81% | 19.70% | Beats 21% | 50 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.65% | 55.42% | 71.20% | 87.46% | 38th pctl | 39 / 63 | ||
| Loans / Assets | 55.95% | 48.43% | 59.68% | 73.12% | 41st pctl | 37 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||